Claim

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Insurance Claim Process

You can intimate SUD Life about the claim (along with the mandatory documents) through following modes:

  • 1. Online (Click here)
  • 2. Visiting SUD Branch (Click here to locate nearest branch)
  • 3. Call: On 1800-266-8833 between 9.30am to 6.30pm Monday to Saturday
  • 4. Email: customercare@sudlife.in
  • 5. Courier: Star Union Dai-ichi Life Insurance Company Limited, 11th Floor, Vishwaroop I.T Park, Plot No. 34, 35 & 38,
  •     Sector: 30A of IIP, Vashi, Navi Mumbai – 400 703
The claims department at SUD Life would review the claim documents you have sent and in case of requirement, we may call you for pending mandatory documents & additional listed documents. The claimant would be kept updated about the status of his/her claim throughout the process. Alternately, a unique claims reference no. will be sent to the claimant, which will enable him/ her to track the status of their claims on our website.
All claims will be assessed based on claim documents submitted and information of the life assured provided to us in the proposal form. Once a decision is taken, SUD Life will send a written communication to the claimant, informing him/her about the decision of the claim, along with details of the payment made through electronic fund transfer (NEFT).

Turnaround time for Death and Health claims decision as mandated by Insurance Regulation and Development Authority of India (IRDAI):

Type of claim Death Claims Health Claims
Raising claim requirement Within 15 days of receipt of claim Within 15 days of receipt of claim
Settlement or rejection or repudiation of claim, where investigation is not required Within 30 days from the date of receipt of last necessary document Within 30 days from the date of receipt of last necessary document
Settlement or rejection or repudiation of claims wherein investigation is required Investigation should be completed within 90 days from date of receipt of claim intimation and claim to be settled within 30 days thereafter Investigation should be completed within 30 days from date of receipt of last necessary document and claim to be settled within 45 days from the date of receipt of last necessary document

Required Documents

Mandatory documents for death claim:

  • 1. Claim intimation form
  • 2. Copy of death certificate
  • 3. Original policy document
  • 4. Photo identity proof and address proof of claimant.Wherever nominee is minor, kindly submit KYC & bank proof of appointee as well
  • 5. Bank statement/passbook with last 3 months transactions or cancelled cheque leaf with name printed on the cheque

  • Other documents:

  • 1. Copy of hospital records (admission notes, progress sheets, test reports, discharge/death summary from hospital and clinic where life assured was treated)
  • 2. Additional documents in case death occurred due to un-natural or accidental death
  •    • Copy of first information report/spot panchanama duly attested by issuing authority
  •    • Copy of post-mortem report duly attested by issuing authority
  •    • Copy of viscera report duly attested by issuing authority (if available)
  •    • Copy final police investigation report/Senior Divisional Magistrate's verdict duly attested by issuing authority
  •    • Newspaper cuttings (if available)

  • Documents for Critical Illness Claim:

  • 1. Critical illness claim intimation form
  • 2. KYC & bank proof details of the claimant (in case of death of the life assured)
  • 3. Copy of hospital records (admission notes, progress sheets, test reports, discharge/death summary from hospital and clinic where life assured was treated)
  • 4. Activities of daily living to be filled by the claimant or the treating/attending physician
  • 5. Attending physician statement to be filled by the treating doctor (differs according to the condition claimed) – e.g. For condition claimed due to “heart attack” – will require APS- heart related
  • 6. Copy of death certificate in case of death of the life assured
  • 7. Questionnaires to be filled by the claimant – e.g. hypertension questionnaire, diabetes questionnaire, etc.

Form Download

Claimant’s Statement duly filled and signed by Nominee/Appointee: Form A (Only to be used for Critical illness/disability)

Download

Individual Death Claim Form

Download

Critical Illness Claim Form (Health Claim)

Download

APS-Chronic Lung Disease

Download

APS-End Stage Liver Disease

Download

APS-Open Heart Replacement or Repair of Heart Valves

Download

Attending Physicians Statement (Doctor)- General

Download

CI-APS-Cancer

Download

CI-APS-Coronary Artery By-Pass Surgery & Angioplasty

Download

CI-APS-Heart Related (Final)

Download

CI-Heart Related (to be filled by LA)

Download

Diabetes Questionnaire- LA

Download

Hypertension Questionnaire - LA

Download

Tobacco_Questionnaire

Download

FAQ's

1. What are the documents required to process a death claim?

Mandatory documents for death claim:

  • a) Claim intimation form
  • b) Copy of death certificate
  • c) Original policy document
  • d) Photo identity proof and address proof of claimant.Wherever nominee is minor, kindly submit KYC & bank proof of appointee as well
  • e) Bank statement/passbook with last 3 months transactions or cancelled cheque leaf with name printed on the cheque

  • Other documents:

  • a) Copy of hospital records (admission notes, progress sheets, test reports, discharge/death summary from hospital and clinic where life assured was treated)
  • b) Additional documents in case death occurred due to un-natural or accidental death
  • i. Copy of first information report/spot panchanama duly attested by issuing authority
  • ii. Copy of post-mortem report duly attested by issuing authority
  • iii. Copy of viscera report duly attested by issuing authority (if available)
  • iv. Copy final police investigation report/Senior Divisional Magistrate's verdict duly attested by issuing authority
  • v. Newspaper cuttings (if available)
  • vi. SUD Life may call for documents apart from the above (case specific).

2. Which documents can be submitted as bank account proofs?

Bank statement/passbook with last 3 months transactions or cancelled cheque leaf with name printed on the cheque.


3. What needs to be done if the policy document are not available with the nominee?

An indemnity bond should be submitted in lieu of policy document which is lost. The indemnity needs to be executed on a stamp paper of Rs. 500/- and duly notarized.


4. To whom will the death claim amount be paid?

The claim money will be paid to the beneficiary who is the nominee/assignee/appointee (in case of a minor) as mentioned by the life assured in the application form.


5. How can I intimate a claim to SUD Life?

You can intimate us through any of the following means:


6. What is the time frame within which the claim must be reported to the Company?

A claim must be reported as soon as possible to enable the Company to effectively assess and process the same.


7. Is NEFT mandatory for death claims?

  • • As per the IRDAI circular no. IRDA/F&A/CIR/GLD/056/02/2014 dated February 13, 2014, all payouts made to customers need to be in the electronic form.
    Hence, NEFT details of the claimant are mandatory to process the claim payouts.
  • • NEFT payments would be made only in Indian saving bank accounts or NRO accounts.
  • • Cheque would be issued if payment has to be deposited in NRE account

8. What is the maximum processing timeline prescribed by Insurance Regulatory Development Authority of India (IRDAI)?

Type of claim Death Claims Health Claims
Raising claim requirement Within 15 days of receipt of claim Within 15 days of receipt of claim
Settlement or rejection or repudiation of claim, where investigation is not required Within 30 days from the date of receipt of last necessary document Within 30 days from the date of receipt of last necessary document
Settlement or rejection or repudiation of claims wherein investigation is required Investigation should be completed within 90 days from date of receipt of claim intimation and claim to be settled within 30 days thereafter Investigation should be completed within 30 days from date of receipt of last necessary document and claim to be settled within 45 days from the date of receipt of last necessary document

9. What is the grievance mechanism available if i am not satisfied with the claim decision?

The customer can contact us on the below mentioned address in case of any complaint/grievance:

Claims Review Committee, Star Union Dai-ichi Life Insurance Company Limited, 11th Floor, Vishwaroop I.T Park, Plot No. 34, 35 & 38, Sector: 30A of IIP, Vashi, Navi Mumbai – 400 703

If you are still not satisfied with the response provided by the Claims Review Committee, you could also approach the Insurance Ombudsman in your region.


10. How will I know that a claim is registered?

Sud Life will send an acknowledgement letter within 15 days of receiving the documents. The company will also send you a unique reference no. To track the status of your claims on our website. In case there are any further requirements, the same will be intimated via letter, e-mail on your registered address and SMS on claimant’s mobile number.


11. What if the NEFT payment made by SUD Life is rejected by the bank?

A letter will be sent to the claimant informing them of the NEFT failure. The payment will be processed on receipt of the fresh NEFT mandate along with the account proof.


12. When is a claim repudiated?

A claim is repudiated if 'non-disclosure' or 'misstatement' of facts is discovered during an investigation. When a fact that affects the policy issuance decision is not disclosed in the proposal, it is termed as, 'non-disclosure'. Similarly, withholding information or providing incorrect information while answering questions in the proposal form is termed as, 'misstatement'.

For example, when an applicant suffering from liver failure does not inform the insurer about the same in the proposal form, it is termed as non-disclosure. Similarly, when an applicant overstates his or her income, then it is called a misstatement.


13. What happens if there is no nomination on death of the life assured or pre-deceased nominee at the time of death claim?

In such circumstances, we would require the proof of title/succession certificate issued by a competent court. The claim would then be paid to the person specified in the said proof.


14. Why is it essential to submit all the records/documents as required by the company?

All claims are examined and settled by the company based on information present in documents submitted by you in connection with the claim. It is advisable to provide complete information to us for faster and smoother claims processing

Your concerns regarding the decision of claim

SUD Life has a Claims Review Committee consisting of functional heads of various departments of the company. This committee is chaired by our Deputy CEO and an external member, who is a retired judge of the Bombay High Court.

If you do not agree with the claim decision, you can send a letter addressed to the Committee at the address given below:

Claims Review Committee

Star Union Dai-ichi Life Insurance Company Limited
11th Floor, Vishwaroop I.T Park,
Plot No. 34, 35 & 38, Sector: 30A of IIP,
Vashi, Navi Mumbai – 400 703

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